How we help you

You obtain comprehensive written reports, competitive prices and the best advice.

Comprehensive knowledge

You will be advised by only Aisa Group with our comprehensive adviser set-up providing written reports, and we guarantee no “third party” sign offs.

Competitive Prices

We operate through explicit charges. Commission is banned and so are all the hidden charges associated with commissions.

Best Advice

Transparency with regard to charges combined with re-assurance of award winning advisers operated from regulated territories.

How can we help you make more of your money?

First a little background information

Scandalous behaviour!

Throughout the 1980’s and 1990’s wide scale mis-selling of products in the UK led to consumer driven outrage. Scandal after scandal led to the UK regulator imposing, what many believe is the toughest regime in the world.

Part of this regime was to impose in the UK an explicit and transparent regime where commissions were banned. For a firm to operate successfully in the UK then it has to focus on service and ensuring that client relationships are long term.

Commission products

The commission driven products sold in the 1980’s and 1990’s no longer exist in the UK, regulated out of existence.
Unfortunately the UK regime has not been adopted in many countries, and the salesforces and products operating there have moved overseas, focusing on expatriates.

The outcome

Clever salesman recognise the legally enforceable terms used by advisers in the UK, and use the same terms overseas where they are not enforceable. To a consumer in the UK, terms like “Certified”, “Chartered”, “Guaranteed” and “IFA” provide re-assurance. Overseas they often mean nothing. In effect, overseas, many countries allow for product sales linked to commission by people using terms like IFA which are nothing of the sort by UK standards.

Therefore, unfortunately, many expatriates are sold by “advisers” the same expensive scandalous commission based financial products, much like the UK in the 1980-90’s.

How can we help you make more of your money?

How we approach advice

A product that is not regulated in the UK, South Africa or recognised regulated exchange/ bourse will not be considered. If it does not meet the high standards of these territories then we will not recommend it.

Far from restricting your investment and product horizon, we would suggest why should you put up with second best?

Second best products often swallow the returns that should be in your pocket.

Transparency

Every charge on every product is explained in a transparent way that you should be able to understand, and we back this up within written reports that you pay for. Our reports follow the conventions as laid down by our regulators the FCA in the UK, and the FSB in South Africa.

What problems do we encounter and how do we get round them?

We come up against other overseas advisers that are becoming more and more sophisticated in their “cloning” of terms and sometimes companies based in the UK, thus purporting to be something they are not. We get around this problem by asking every single client from the 17 year history of our company if they are prepared to talk to new potential clients and give an unbiased view of us which provides re-assurance to new clients.

Another problem is that we often do not meet our clients face to face until much later in the process of advice. Therefore, we have put together a system that meets the needs of advice where face to face is not always possible. We make great use of interactive PDF’s and we use our reports as discussion documents and utilise social media.

The biggest problem we face is convincing people that terms such as offshore bonds, IFA’s, TVAS, QROPS and custodians are interchangeable and often meaningless overseas as the “product” is not the same as what you would receive in the UK, even where it has the same name! We get round this problem by breaking down the charges of any product we are asked to. This can lead to other competing advisers having to “revise” their statements, the most common being that “ongoing charges will be limited to 1%” (We come across that statement on documents more than any other and to date it has never turned out to be true although we accept there is always a first time).

We are fee driven and transparent

In essence, with us you know what you are paying for, and you know the exact cost. However, even more important than this, you are getting this from a team who have been around working together for years in a highly regulated environment and made a success of it. We are now offering that service throughout the EU, South Africa and the USA and applying the same high standards we have adopted in the UK to overseas expatriates.

Consideration Options & Results

Complete the fields below, then click next to find your target fund value.

Current age

Income planned (annual)

Retirement age

Click next to find your target fund value.

Outline Target Fund Required

£ 0

The projected figure is a guideline target result based on the income figure you have input. It does not take into account inflation. Contact us for an inflation allowed figure by providing your details.

£

Years to Retirement

Outline consideration with respect to time left

With less than 5 years to go it is all about planning. Too many people set a date and then hope that by chance their investment fund will be highest at that point. What you should be doing is planning a requirement and whenever you hit that target lock your fund in.

Outline consideration with respect to time left

We call this the emergency last chance saloon period. This is often the time when people actually start thinking about how they are going to maximise their investment and any shortfall they may have. You still have time to take sensible planned investment risk.

Outline consideration with respect to time left

This period often coincides with other family events like children leaving home. This probably means maximum earning potential, investing and saving and potentially maximum risk taking. You need to take advantage of this period and grow your pension.

Outline consideration with respect to time left

This is the calm before the storm period. When every aspect of life is in between commencement and completion. For your pension savings this is exactly the same and this is when you really need to take a moment, reflect on what you are trying to achieve.

Outline consideration with respect to time left

People often have other priorities with this length of time remaining to retirement. They are home building, looking to expand their mini empires with property and children. However, every dollar saved now means you can save two dollars less in the future.

For personal advice, please tell us about yourself. Click next.

For personal advice, please tell us about yourself.

We have a strict confidentiality policy but the truth is if you don’t contact us we can’t help you.
And we can’t think of alternative method of disclosure.

Name

Country of residence

Telephone

Email

All fields required

If you are a human and are seeing this field, please leave it blank.

Consideration Options & Results

Complete the fields below, then click next to find your target fund value.

Current age

Retirement age

Income planned (annual)

Click next to find your target fund value.

Outline Target Fund Required

£ 0

The projected figure is a guideline target result based on the income figure you have input. It does not take into account inflation. Contact us for an inflation allowed figure by providing your details.

£

Years to Retirement

With less than 5 years to go it is all about planning. Too many people set a date and then hope that by chance their investment fund will be highest at that point. What you should be doing is planning a requirement and whenever you hit that target lock your fund in.

We call this the emergency last chance saloon period. This is often the time when people actually start thinking about how they are going to maximise their investment and any shortfall they may have. You still have time to take sensible planned investment risk.

This period often coincides with other family events like children leaving home. This probably means maximum earning potential, investing and saving and potentially maximum risk taking. You need to take advantage of this period and grow your pension.

This is the calm before the storm period. When every aspect of life is in between commencement and completion. For your pension savings this is exactly the same and this is when you really need to take a moment, reflect on what you are trying to achieve.

People often have other priorities with this length of time remaining to retirement. They are home building, looking to expand their mini empires with property and children. However, every dollar saved now means you can save two dollars less in the future.

For personal advice, please tell us about yourself. Click next.

For personal advice, please tell us about yourself.

We have a strict confidentiality policy but the truth is if you don’t contact us we can’t help you. And we can’t think of alternative method of disclosure.

Name

Country of residence

Telephone

Email

All fields required

Aisa International (Pty) Ltd is regulated by the Financial Services Board | License Number: 47638 | Aisa International (Pty) Ltd, 3rd Floor Heritage House, 20 Dreyer Street, Claremont, Western Cape 7708, Tel +27 (0) 21 823 9729, Mobile: +27 (0) 84 729 2210. | Aisa International (Pty) Ltd is known as Aisa International. Aisa Group also has a U.K. limited corporation called Aisa Direct, which is authorised and regulated by the FCA - Reg.189652, and is also a U.S registered advisor with the Securities & Exchange Commission (SEC) - CRD# 172777 | The guidance contained within this website is targeted at those people who are connected with South Africa. | Aisa International is not licensed to give tax advice on pension transfer matters – nothing on this page or website should be construed as tax advice in South Africa.